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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $106,885 | $58,493+82.7% | $84,023+27.2% | $72,976+46.5% |
| Participation rate | 68.4% | 61.2%+7.2pp | 69.0%-0.6pp | 69.5%-1.1pp |
| Annual return | 20.96% | 28.93%-8.0pp | 71.32%-50.4pp | 81.02%-60.1pp |
| Employer contribution / active EE | $578 | $1,163-50.3% | $1,984-70.9% | $2,440-76.3% |
| Participant deferral / active EE | $3,486 | $2,394+45.6% | $3,239+7.6% | $3,608-3.4% |
| Admin fee / account holder | $1,975 | $4,569-56.8% | $6,102-67.6% | $5,124-61.5% |